Radical Finances

When to create a savings bucket

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A bucket is my term for a savings account, used for either one-time or ongoing purchases. It’s certainly not a standard financial term. I don’t see it used much on personal finance sites. But the analogy should be clear enough. … Read More … Read More

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How to find the sweet spot for paying extra on a debt

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If you have debt, some of the mandates are clear to you: Pay it off, obviously. Pay down a single debt at a time. Pay either the highest interest rate debt first (which makes sense on paper) or the lowest-sized … Read More … Read More

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When you’re asked to buy a protection plan, do this instead

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I have a pretty nice laptop. It was bought for me as part of my previous job, and when I left, I negotiated to be able to take it with me. Along with ownership of the laptop came the warranty, … Read More … Read More

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Make your bills less lumpy

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There is a difference between bills and expenses. A lot of people who talk about personal finance don’t distinguish between them. They say it’s all your “outgo” or just “what you spend money on”. But a car insurance payment is … Read More … Read More

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Dark waiting

One day, you too may not receive a paycheck. Here’s how to prepare.

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Unless you live under a rock (and even rocks seem to have good WiFi these days), you know that as of the time of writing, the United States is undergoing the longest partial government shutdown in history. About 800,000 federal … Read More … Read More

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Year in review 2018: Your top 10 favorite posts

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It’s the end of the year, and I’m recapping the best posts on this site for 2018, as I do every year. In my last post, I recapped my favorite posts of the year. But today, I’m recapping the most-viewed … Read More

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Gems

Year in review 2018: My top 10 favorite posts

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Happy end of the year! It’s that time when I take a little bit of time off from my standard posting schedule and instead have a recap of the best posts of the year, as determined in two ways: the … Read More

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DTLA

What would make you feel financially secure?

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There are people for whom money is not a concern. (That’s great, except for the subset of people for whom money isn’t a concern but probably should be. I want you to feel financially secure, but only if you are financially secure.) … Read More … Read More

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Ship mast

There is a race to the bottom in mutual fund fees, and we all win

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I’ve always believed that in business you can compete on price or you can compete on quality, but never both. Which is why we have basic economy on airplanes (which are as cheap as possible and as a consequence are … Read More … Read More

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Record player stylus

How to put barriers in place for your spending

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Numerous services exist to make spending easier. Contactless cards allow you to pay without even taking the time to swipe or insert. Apple Pay, Google Pay, Amazon Pay, Facebook Pay, Netflix Pay (okay not all of these are real, but … Read More … Read More

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